Bridgewater Bancshares, Inc. (BWB)

NCM – Real Time Price. Currency in USD

21.75

+0.04 (0.18%)

Market open: Aug 12, 2026, 11:07 AM EDT

21.71

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 4:13 PM EDT

Stock details

Previous close: 21.71$
Day's range: 21.3 - 21.83$
52-week range: 15.35 - 22.59$
Volume: 128 524
Average volume: 197 859
Beta: 0.58
EPS (TTM): 1.89
PE ratio (TTM): 11.8
Forward P/E: 11.8
Market cap: 605 357 739
Shares outstanding: 27 883 820
Dividend yield: N/A
Next earnings date: 2026-10-22
Sector: Financials
Industry: Banks - Regional

About the company

Bridgewater Bancshares, Inc. operates as the bank holding company for Bridgewater Bank that provides banking products and services in the United States. The company provides commercial loans, including loans secured by nonfarm, nonresidential properties, multifamily residential properties, and nonowner occupied single family residential properties; construction, land development, and commercial and industrial loans; commercia... read more

CEO: Gerald Baack
Country: United States
IPO Date: 2018-03-14
Employees: 355
Fiscal Year End: January - December
Website: https://www.bridgewaterbank...

Revenue Breakdown

Banking and Related Activities / 100.00%

News

No Data

There are no news for this stock.

Chart: BWB

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Overall Score

4.5 / 1045%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $434.9M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.8) is near the industry average, reflecting balanced leverage

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $9.3M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.04	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.79	0.05	6.0
Debt to Assets	0.08	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.4

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	170M	228M	251M	291M	306M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	72M	52M	43M	60M	74M
Net Income	53M	40M	33M	46M	56M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	45.34	0.44	10
Net margin %	34.43	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	13.31	0.00	7.0
Weighted average score			5.8

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.94	1.46	2.0
ROE	9.97	14.94	6.0
ROIC	7.42	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			3.8

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	19.69	21.15	9.5
Next quarter	14.57	15.34	8.5
Current year	19.73	21.05	9.5
Next year	10.08	15.22	8.0
Weighted average score			8.9

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-5.77	-19.52	9.76	-34.22	2.3
Y/Y	3.63	21.59	21.62	287.44	8.5
3y average	20.05	-0.85	0.43	-19.73	3.5
5y average	19.62	16.45	15.79	659.96	9.3
Weighted average score					5.9

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	11.67	11.16	6.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	3.79	3.37	4.0
P/B	1.24	1.53	6.0
Weighted average score			4.5

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR9.71%

FCF 5 year CAGR4

Fair value31.5$

Stock price21.85$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$31.5

UndervaluedStock priceOvervalued

$21.85

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Gerald Baack

Country

United States

IPO Date

2018-03-14

Employees

355

Fiscal Year End

January - December

Website

https://www.bridgewaterbank...

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.04

2.82

1.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.79

0.05

6.0

Debt to Assets

0.08

0.09

9.0

Interest coverage

N/A

Weighted average score

5.4

METRIC

2022

2023

2024

2025

TTM

Total Revenue

170M

228M

251M

291M

306M

Gross Profit

N/A

Operating Income

72M

52M

43M

60M

74M

Net Income

53M

40M

33M

46M

56M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

45.34

0.44

Net margin %

34.43

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

13.31

0.00

7.0

Weighted average score

5.8

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.94

1.46

2.0

ROE

9.97

14.94

6.0

ROIC

7.42

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

3.8

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

19.69

21.15

9.5

Next quarter

14.57

15.34

8.5

Current year

19.73

21.05

9.5

Next year

10.08

15.22

8.0

Weighted average score

8.9

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-5.77

-19.52

9.76

-34.22

2.3

Y/Y

3.63

21.59

21.62

287.44

8.5

3y average

20.05

-0.85

0.43

-19.73

3.5

5y average

19.62

16.45

15.79

659.96

9.3

Weighted average score

5.9

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

11.67

11.16

6.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

3.79

3.37

4.0

P/B

1.24

1.53

6.0

Weighted average score

4.5

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Bridgewater Bancshares, Inc. (BWB)

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Bridgewater Bancshares, Inc. (BWB)

Stock details

About the company

Revenue Breakdown

News

Chart: BWB

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$31.5

$21.85

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: BWB

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$31.5

$21.85

Economic Moat